CHI BENEFITS Summary of Benefits Coverage Basic Blue Cross Blue Shield of Illinois Effective January 1, 2016 The following is an overview of your Catholic Health Initiatives Basic medical plan option for 2016. If approved, you may be eligible for the Health Care Assistance Program. For details about how the Health Care Assistance Program works with the Basic medical plan option, log on to Inside CHI at http://home.catholichealth.net. The Accountable Care Act (also known as Health Care Reform) requires employers to provide the enclosed summary of medical benefits for all of the medical plan options available. You do not need to take action. Carefully review the following summary of benefits coverage and file it away for future reference. If you have questions or would like additional detail about the medical plan, refer to your Summary Plan Description (SPD).
This is only a summary. For more detail about your coverage and costs, you can get the complete terms in the policy or plan document (SPD) by calling the HR/Payroll Connection Support Center at 1-844-450-9450 or contacting your local HR leader. If you have access to My Healthy Spirit, log on to http://home.catholichealth.net/myhealthyspirit select the Benefits tab, then select the View or Print Summary Plan Descriptions link for additional details. If you do not have access to My Healthy Spirit, go to http://chibenefitplans.net to view your SPD. Important Questions Answers Why this Matters: In-network $2,000 Individual / $4,000 Family You must pay all the costs up to the deductible amount before this plan Out-of-network begins to pay for covered you use. Check your policy or plan What is the overall $4,000 Individual / $8,000 Family document (Summary Plan Description) to see when the deductible starts deductible? Copayments, preventive care, office visits, over (usually January 1 st ). See the chart starting on the next page for how CHI facility charges and prescription drugs much you pay for covered after you meet the deductible. do not apply toward the deductible. Are there other deductibles for specific? No. There are no other specific deductibles. Is there an out of pocket limit on my expenses? What is not included in the out of pocket limit? Is there an overall annual limit on what the plan pays? Does this plan use a network of providers? Do I need a referral to see a specialist? Are there this plan doesn t cover? In-network $4,000 Individual / $8,000 Family Out-of-network $12,000 Individual / $24,000 Family Premiums, penalties and any ineligible charges. No. Yes. For a list of network providers, go to www.bcbsil.com/chi or call 1-866-776-4244. No. Yes. The out-of-pocket limit is the most you could pay during a coverage period (usually one year) for your share of the cost of covered. This limit helps you plan for health care expenses. Even though you pay these expenses, they don t count toward the out-ofpocket limit. The chart starting on the next page describes any limits on what the plan will pay for specific covered, such as office visits. If you use an in-network provider, this plan will pay some or all of the costs of covered. Be aware, your in-network doctor or hospital may use an out-of-network provider for some. See the chart on the next page for how this plan pays different kinds of providers. You can see the specialist you choose without permission from this plan. Some of the this plan doesn t cover are listed later in this document. See your plan document (SPD) for details about excluded. 2 of 9
Copayments are fixed dollar amounts (for example, $10) you pay for covered health care, usually when you receive the service. Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if the plan s allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if you haven t met your deductible. The amount the plan pays for covered is based on the allowed amount. If an out-of-network provider charges more than the allowed amount, you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.) This plan may encourage you to use Blue Cross Blue Shield of Illinois providers by charging you lower deductibles, copayments and coinsurance amounts. Common Medical Event If you visit a health care provider s office or clinic If you have a test Services You May Need Primary care visit to treat an injury or illness Use a CHI Facility Use an In-network 30% coinsurance Specialist visit Other practitioner office visit Preventive care/screening/ immunization Diagnostic test (x-ray, blood work) Imaging (CT/PET scans, MRIs) Use an Out-of-network $0 $0 $0 Limitations & Exceptions Any service bundled with your office visit and billed as part of the office visit is not subject to the deductible and coinsurance. s must be in-network (even if a CHI provider) to receive the higher benefit. Acupuncture is limited to 10 visits per year. Chiropractic care is limited to 20 visits per year. Massage, occupational, physical and speech therapies have a combined therapy limit of 30 visits per year; CHI facilities are not subject to the 30-visit limit. If a test is performed during your office visit and billed as part of the office visit, then it is considered a part of the office visit coinsurance. If the test is sent to a third party for analysis, the charges for the analysis do not fall under the office visit but would be subject to the deductible and coinsurance. 3 of 9
Common Medical Event If you need drugs to treat your illness or condition More information about prescription drug coverage is available at www.carema rk.com If you have outpatient surgery If you need immediate medical attention Services You May Need Generic drugs Preferred brand drugs Non-preferred brand drugs Use a CHI Facility Retail: $5 copay Mail Order: $10 Retail: $17.50 min/$50 max Mail Order: $42.50 min/$75 max 25% coinsurance Retail: $30 min/$75 max Mail Order: $75 min/$150 max Use an In-network Retail: $10 copay Mail Order: $20 copay 30% coinsurance Retail: $35 min/$100 max Mail Order: $85 min/$150 max 50% coinsurance Retail: $60 min/$150 max Mail Order: $150 min/$300 max Specialty drugs Refer to above costs Refer to above costs Facility fee (ambulatory surgery center) Physician/ surgeon fees Emergency room Emergency medical transportation $200 copay (waived if you are admitted) $200 copay (waived if you are admitted) Use an Out-of-network Retail: Mail Order: Retail: Mail Order: Retail: Mail Order: Retail: Mail Order: $200 copay (waived if you are admitted) $0 $0 $0 Limitations & Exceptions Covers up to a 30-day supply from a network retail pharmacy or a 90-day supply from the mail order pharmacy. If you fill a brand-name prescription when a generic equivalent is available, you will pay the brand-name coinsurance plus the difference between the generic and brand-name. Maintenance medications must be filled using the mail order pharmacy or a CHIowned pharmacy. Any combination of diabetic supplies and insulin purchased at a network retail pharmacy on the same day are subject to one copayment or the applicable coinsurance amount. Additional copayment/coinsurance amounts will apply to any combination of supplies purchased separately from an insulin purchase. Some specialty drugs may not be available at a retail pharmacy, but can be filled through the mail order pharmacy. 4 of 9 Non-emergency use of the ER will require 50% coinsurance. Benefits will not be provided for long distance trips or non-medically necessary use of an ambulance, including use because it is more convenient than other transportation.
Common Medical Event If you have a hospital stay If you have mental health, behavioral health, or substance abuse needs If you are pregnant Services You May Need Urgent care Facility fee (e.g., hospital room) Physician/ surgeon fee Mental/ Behavioral health outpatient Mental/ Behavioral health inpatient Substance use disorder outpatient Substance use disorder inpatient Prenatal and postnatal care Use a CHI Facility Use an In-network $100 copay 30% coinsurance (no deductible office visit only) All other physician will apply to the deductible Use an Out-of-network $100 copay Limitations & Exceptions 5 of 9 Inpatient hospital stays must be pre-certified There is a $500 penalty for failure to precertify. Inpatient hospital stays must be pre-certified There is a $500 penalty for failure to precertify. Inpatient hospital stays must be pre-certified There is a $500 penalty for failure to precertify. The first prenatal visit, if billed separate, should be covered 100 percent as a preventive benefit.
Common Medical Event If you need help recovering or have other special health needs If your child needs dental or eye care Services You May Need Delivery and all inpatient Home health care Rehabilitation Habilitation Skilled nursing care Durable medical equipment Hospice service Use a CHI Facility Use an In-network Eye exam 30% coinsurance Glasses Dental checkup Use an Out-of-network Limitations & Exceptions Maternity stay at the hospital must be precertified through Blue Cross Blue Shield of Illinois. There is a $500 penalty for failure to pre-certify. Home health care must be pre-certified Skilled nursing must be pre-certified Skilled nursing room and board are not covered by the plan. Limited to eye exams for the purpose of diagnosing a medical condition (such as diabetes) and assuming it is billed as an office visit. Routine eye exams for newborns and children are covered when billed as part of a well-child visit. Benefits are only provided for the first pair of eyeglasses needed after cataract surgery, cornea transplantation or cornea grafting. Diagnostic and preventive dental are not covered under the CHI Medical Plan. 6 of 9
Excluded Services & Other Covered Services: Services Your Plan Does NOT Cover (This isn t a complete list. Check your policy or plan document for other excluded.) Cosmetic surgery Dental care (Adult & Child) Hearing aids Long-term care 7 of 9 Non-emergency care outside of the U.S. Routine eye care (Adult & Child) Other Covered Services (This isn t a complete list. Check your plan document for other covered and your costs for these.) Acupuncture (up to 10 visits per year) Bariatric surgery (if approved); limitations apply Chiropractic care (up to 20 visits per year) Specific fertility treatment ($15,000 lifetime maximum per person) and fertility prescription drugs ($5,000 lifetime maximum per person); limitations apply Private-duty nursing (must be pre-certified through Blue Cross Blue Shield) Routine foot care (if medically necessary) Weight loss programs (provided by Preventure) Your Rights to Continue Coverage: If you lose coverage under the plan, then, depending upon the circumstances, federal and state laws may provide protections that allow you to keep health coverage. Any such rights may be limited in duration and will require you to pay a premium which may be significantly higher than the premium you pay while covered under the plan. Other limitations on your rights to continue coverage may apply. For more information on your rights to continue coverage, contact HR/Payroll Connection at 1-844-450-9450. If you do not have access to HR/Payroll Connection, you should contact Health Care Service Corporation at 1-888-541-7101 for details about your rights to continue coverage. You may also contact your state insurance department, the U.S. Department of Labor, Employee Benefits Security Administration at 1-866-444-3272 or visit www.dol.gov/ebsa, or the U.S. Department of Health and Human Services at 1-877-267-2323 ext. 61565 or visit www.cciio.cms.gov. Does this Coverage Provide Minimum Essential Coverage? The Affordable Care Act requires most people to have health care coverage that qualifies as minimum essential coverage. This plan or policy does provide minimum essential coverage. Does this Coverage Meet the Minimum Value Standard? The Affordable Care Act establishes a minimum value standard of benefits of a health plan. The minimum value standard is 60% (actuarial value). This health coverage does meet the minimum value standard for the benefits it provides. Your Grievance and Appeals Rights: If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file a grievance. For questions about your rights, this notice, or assistance, you can contact Blue Cross Blue Shield at 1-866-776-4244 or Caremark (for prescription) at 1-877-232-7925 or Department of Labor s Employee Benefits Security Administration 1-866-444-3272 or www.dol.gov/ebsa/healthreform. Para obtener asistencia en Español, llame al 1-844-450-9450. To see examples of how this plan might cover costs for a sample medical situation, see the next page.
Coverage Examples Coverage for: Individual Plan Type: PPO About these Coverage Examples: These examples show how this plan might cover medical care in given situations. Use these examples to see, in general, how much financial protection a sample patient might get if they are covered under different plans. This is not a cost estimator. Don t use these examples to estimate your actual costs under this plan. The actual care you receive will be different from these examples, and the cost of that care will also be different. See the next page for important information about these examples. Having a baby (normal delivery) Amount owed to providers: $7,540 Plan pays $3,515 Patient pays $4,025 Sample care costs: Hospital charges (mother) $2,700 Routine obstetric care $2,100 Hospital charges (baby) $900 Anesthesia $900 Laboratory tests $500 Prescriptions (2 generic) $200 Radiology $200 Vaccines, other preventive $40 Total $7,540 Patient pays: Deductibles (assumes individual coverage level) $2,000 Copays (2 generic prescriptions) $20 Coinsurance (assumes non-chi facility within the BC/BS network) $1,855 Limits or exclusions (over-thecounter prenatal vitamins) $150 Total $4,025 Managing type 2 diabetes (routine maintenance of a well-controlled condition) Amount owed to providers: $5,400 Plan pays $2,780 Patient pays $2,620 Sample care costs: Prescriptions (40 generic) $2,900 Medical Equipment and Supplies $1,300 Office Visits and Procedures $700 Education $300 Laboratory tests $100 Vaccines, other preventive $100 Total $5,400 Patient pays: Deductibles (assumes individual coverage) $2,000 Copays (40 generic prescriptions) $400 Coinsurance (assumes non-chi facility within the BC/BS network) $140 Limits or exclusions (over-thecounter supplies) $80 Total $2,620 8 of 9
Coverage Examples Coverage for: Individual Plan Type: PPO Questions and answers about the Coverage Examples: What are some of the assumptions behind the Coverage Examples? Costs don t include premiums. Sample care costs are based on national averages supplied by the U.S. Department of Health and Human Services, and aren t specific to a particular geographic area or health plan. The patient s condition was not an excluded or preexisting condition. All and treatments started and ended in the same coverage period. There are no other medical expenses for any member covered under this plan. Out-of-pocket expenses are based only on treating the condition in the example. The patient received all care from innetwork providers. If the patient had received care from out-of-network providers, costs would have been higher. What does a Coverage Example show? For each treatment situation, the Coverage Example helps you see how deductibles, copayments, and coinsurance can add up. It also helps you see what expenses might be left up to you to pay because the service or treatment isn t covered or payment is limited. Does the Coverage Example predict my own care needs? No. Treatments shown are just examples. The care you would receive for this condition could be different based on your doctor s advice, your age, how serious your condition is, and many other factors. Does the Coverage Example predict my future expenses? No. Coverage Examples are not cost estimators. You can t use the examples to estimate costs for an actual condition. They are for comparative purposes only. Your own costs will be different depending on the care you receive, the prices your providers charge, and the reimbursement your health plan allows. Can I use Coverage Examples to compare plans? Yes. When you look at the Summary of Benefits and Coverage for other plans, you ll find the same Coverage Examples. When you compare plans, check the Patient Pays box in each example. The smaller that number, the more coverage the plan provides. Are there other costs I should consider when comparing plans? Yes. An important cost is the premium you pay. Generally, the lower your premium, the more you ll pay in out-ofpocket costs, such as copayments, deductibles, and coinsurance. You should also consider contributions to accounts such as health savings accounts (HSAs), flexible spending arrangements (FSAs) or health reimbursement accounts (HRAs) that help you pay out-of-pocket expenses. 9 of 9